Kufunga nezveKugara kana Bhizinesi Kuenda kuUK? Verenga yedu Inoshanda Gwaro reKugara uye Kutengesera Zvivakwa muUK
Vatorwa vanogona kutenga zvivakwa muUK?
Ehe. Hapana chinomisa munhu asiri wekuUK anogara muUK kana mubatanidzwa kutenga zvivakwa muUK (kunyangwe munhu achizoda kuve zera remakore gumi nemasere kana kupfuura kuti ave nezita repamutemo reimba uye mubatanidzwa wemubatanidzwa wemhiri kwemakungwa unofanira kutanga usati wawana chivakwa chinokodzera. yakanyoreswa kuCompanies House zvichiteerana neEconomic Crime (Transparency and Enforcement) Act 18).
Kunze kwezviri pamusoro, mitemo yakasiyana inoshanda muScotland neNorthern Ireland kusiyana nepfuma muEngland neWales. Tichatarisa pazasi pane zvivakwa zviri muEngland neWales. Kana iwe uchida kutenga zvivakwa muScotland kana Northern Ireland, ndokumbirawo utsvage zano rakazvimirira kubva kune nyanzvi munzvimbo idzodzo.
Iyo pazasi nhungamiro inotariswa pane zvivakwa zviri muEngland neWales.
Unotanga sei kutsvaga nzvimbo yako?
Kune akati wandei epamhepo ekutsvaga zvivakwa injini. Pachinyakare masangano anogona kuita zvekutengesa kana zvekugara asi kwete ese ari maviri. Tanga neinjini yekutsvaga yekuenzanisa zvivakwa muguta rako raunosarudza kana imwe nzvimbo uye ubatane nemumiririri wenzvimbo inoshambadza nzvimbo yacho kuronga kutarisa. Kutaurirana mutengo uri pasi pemutengo unoshambadzirwa wakajairika.
Sei zvakakosha kuona nzvimbo?
Kana wangowana nzvimbo zvakakosha kuti uione, ita zvakajairika pre-kondirakiti yekutsvaga uchipokana nayo (gweta rezvivakwa kana mutakuri wezvivakwa akanyoreswa achakwanisa kukubatsira) kana kumbira muongorori kuti aone.
Musimboti we caveat empty ("rega mutengi achenjere") inoshanda pamutemo unozivikanwa. Mutengi ega ndiye ane basa rekutarisa pfuma. Kutenga pasina kuita yekuona kana ongororo kazhinji kazhinji inenge iri panjodzi yemutengi. Vatengesi havawanzo kupa waranti kana muripo maererano nekukodzera kwenzvimbo.
Unobhadhara sei kutenga?
Iye estate agent uye chero nyanzvi dzinobatanidzwa mukutengesa dzichafarira kuziva kuti iwe unoda kupa mari sei kutenga. Izvi zvinogona kunge zvine mari, asi ruzhinji rwezvivakwa zvakatengwa muEngland neWales zviri kuburikidza nechikwereti chemba / pfuma. Iko hakuna zvirambidzo kune vekunze vanowana mbaremba yeUK yekubatsira mari yekutenga kunyangwe ungasangana nezvinodiwa zvakanyanya, chisungo chekubhadhara dhipoziti hombe uye mareti emubereko akakwira.
Ndeupi rudzi rwe "estate" yepamutemo kumudziyo wauri kuda kutenga?
Kazhinji, zvivakwa zvinotengeswa zvine zita remahara (unazvo zvachose) kana zita rekurenda (rakaburitswa kunze kwenzvimbo yemahara yauinayo kwemakore akati wandei) - ese ari masitendi evhu. Hwakawanda hwezvimwe zvinofarirwa nemutemo uye zvinobatsira zvinofarirwa zviripo asi izvi hazvina kufukidzwa pano.
Mukuru weLand Registry ane rejista yemazita ese emutemo. Kana mutengo wako wekupa wagamuchirwa chipangamazano wako wezvemutemo anoongorora rejista yakakodzera yezita rezita renzvimbo iyoyo kuti aone kana nzvimbo yauri kutenga iri kutengeswa zvichienderana nechero incumbrances. Pre-kondirakiti kubvunza zvakare kunowanzo kusimudzwa nemutengesi kuti ave nechokwadi chekuti hapana anokwira-yechitatu-bato zvido mumudziyo izvo zvingave zvisiri pachena kubva pakushanya kwako saiti.
Kana mutengi anopfuura mumwechete achida kuva nemudziyo, nzvimbo iyoyo ichaitwa sei?
Zita repamutemo renzvimbo rinogona kubatwa nevaridzi vemutemo vanosvika vana.
Panogona kunge paine mabhenefiti emutero kana kuipa kune matorero aunoita imba semuridzi wepamutemo uye ingave iri nevanhu kana masangano emakambani kana musanganiswa wezvose. Zvakakosha kutora mazano emitero yakazvimirira panguva yekutanga.
Kana nzvimbo yacho ichitarisirwa kuchengetwa nevaridzi pamwe chete navo, funga kuti zita remutemo rinofanirwa kuchengetwa nevaridzi pamwe chete se "majoint loja" (uyo muridzi weumwe neumwe unopfuudza rufu kune vamwe varidzi) kana se " maroja pamwe chete” (mugove unobatsira unewo, unopfuudza rufu kunhaka yavo kana kubatwa pasi pechido chavo).
Chii chinoitika zvino?
Wawana chivakwa uye mutengo wako wekupa wagamuchirwa uye wafunga kuti ndiani achabata zita repamutemo reimba yacho. Chii chinotevera?
Iwe unozofanirwa kuraira gweta kana conveyancer kuti aite zvakafanira kushingairira, kusimudza mibvunzo, kuita zvakajairwa pre-kondirakiti kutsvaga uye kukupa zano pamusoro pemutero ungangoita. Iwe unozofanirwa kupasa zvakajairwa "ziva mutengi wako" nekuchenjerera basa remutemo risati ratanga saka gadzirira kutsvaga magwaro akakodzera anodiwa pakubira mari uye mamwe macheki.
Kana uchitenga mahara kana leasehold pasi pemubhadharo, kondirakiti inowanzonyorwa uye nekutaurirana pakati pemapato. Kana zvangobvumiranwa, kondirakiti "inotsinhaniswa" panguva iyo dhipoziti inobhadharwa kune gweta remutengesi (kazhinji inenge 5 kusvika 10% yemutengo wekutenga). Kana kondirakiti ichinge yatsinhaniswa mapato ese anosungirwa kuita kondirakiti (kutengesa nekutenga) zvinoenderana nezvirevo zvekondirakiti. "Kupedzwa" kwekutengeserana kunoitika pazuva rakatarwa muchibvumirano uye kazhinji mwedzi unotevera asi zvinogona kuitika munguva pfupi kana kuti gare gare, zvichienderana nekuti kondirakiti iri pasi pemamiriro ekugutsikana.
Kana wapedza kuendeswa kwemahara kana kureba nzvimbo yekugara, chikamu chemutengo wekutenga chinozobhadharwa. Nezvekurenda kutsva kwezvivakwa zvekutengesa uye zvekugara, kana iyo nyowani yekurenda ichinge yanyorwa, nyaya yapera uye muridzi wemba anotumira muridzi wemba mutsva invoice yekurenda, mari yebasa uye inishuwarenzi sezviri pamitemo yekurenda.
Vatengi'/gweta revanoroja vanozofanira kuita chikumbiro kuHis Majesty's Land Registry kunyoresa kutamisa/kurenda kutsva. Zita remutemo haringapfuuri kusvikira kunyoresa kwapera.
Ndeupi mitero inoda kutariswa kana uchitora zita rekurenda kana zita remahara?
Mabatirwo emutero kubva pakuva nemahara kana leasehold muUK achanyanya kuenderana nekuti sei munhu kana mubatanidzwa akabata chivakwa. Mutengi anogona kutenga kana kurojesa chivakwa chekugara, kugara munzvimbo dzekuita kutengeserana kwavo kubva, yavo yekuvandudza kuitira kuti vawane mari yekurenda kana kutenga sekudyara kukudziridza uye kutengesa kune purofiti. Mitero yakasiyana inoshanda pachinhanho chega chega saka zvakakosha kuti utaure nenyanzvi yemutero kutanga, zvichienderana nehurongwa hwaunahwo hwenzvimbo.
Mutero mumwe unobhadharwa mukati memazuva gumi nemana pakupedzwa kwerendi kana kutamiswa kwepfuma muEngland (kunze kwekunge paine imwe yezviyero zvishoma kana kuti muregerero uripo) mutero wepasi ("SDLT").
Nezvezvivakwa zvekugara ona mitero inotevera pazasi. Nekudaro, muripo wekuwedzera 3% inobhadharwa pamusoro kana mutengi atova muridzi wenzvimbo kumwewo:
| Imba kana yekurenda premium kana kukosha kwekutamisa | SDLT mutengo |
| Kusvika ku £ 250,000 | Zero |
| Iyo inotevera £ 675,000 (chikamu kubva pa- $ 250,001 kusvika pa- $ 925,000) | 5% |
| Iyo inotevera £ 575,000 (chikamu kubva pa £925,001 kusvika pa £1.5 miriyoni) | 10% |
| Mari yasara (chikamu chiri pamusoro pe £ 1.5 miriyoni) | 12% |
Paunenge uchitenga chivakwa chitsva chekurenda, chero premium ichave iri pasi pemutero pasi pezviri pamusoro. Zvisineyi, kana mari yerendi yeupenyu hwese (inozivikanwa se'net present value') ichipfuura SDLT threshold (parizvino £250,000), unobhadhara SDLT pa1% pachikamu chinodarika £250,000. Izvi hazvishande kune iripo ('yakagoverwa') marendi.
Kana usipo kuUK kwemazuva angangoita 183 (mwedzi mitanhatu) mukati memwedzi gumi nemiviri usati watenga, 'hausi mugari wemuUK' nezvinangwa zveSDLT. Iwe unowanzo kubhadhara 6% yekuwedzera kana uri kutenga nzvimbo yekugara muEngland kana Northern Ireland. Kuti uwane rumwe ruzivo nezve izvi, ndapota verenga chinyorwa chedu: Vatengi vekumhiri kwemakungwa vari kufunga kutenga imba yekugara muEngland kana Northern Ireland muna 12?
Pachivakwa chekutengesa kana chivakwa chekushandisa chakasanganiswa, iwe unobhadhara SDLT pakuwedzera zvikamu zvemutengo weimba paunobhadhara £150,000 kana kupfuura. Kuendesa mahara kwenzvimbo yekutengesa, iwe unobhadhara SDLT pamitengo inotevera:
| Imba kana yekurenda premium kana kukosha kwekutamisa | SDLT mutengo |
| Kusvika ku £ 150,000 | Zero |
| Iyo inotevera £ 100,000 (chikamu kubva pa- $ 150,001 kusvika pa- $ 250,000) | 2% |
| Mari yasara (chikamu chiri pamusoro pe £250,000) | 5% |
Kana ukatenga imba itsva isiri yekugara kana yekushandiswa yakasanganiswa yeleasehold unobhadhara SDLT pamutengo wekutenga wekurenda nemutengo wekutenga wekurenda uye kukosha kwerendi yepagore yaunobhadhara ('iyo mambure azvino kukosha'). Izvi zvinoverengerwa zvakasiyana zvobva zvawedzerwa pamwechete. Izvo zvataurwa pamusoro pemubhadharo wekuwedzera zvinoshandawo.
Nyanzvi yako yemutero kana gweta richakwanisa kuverenga chikwereti chako cheSDLT zvichienderana nemitengo inoshanda panguva yekutenga kwako kana kurojesa.
Mamwe malink anobatsira:
- https://www.gov.uk/government/publications/how-to-buy-a-home/how-to-buy
- https://www.gov.uk/government/publications/how-to-lease/how-to-lease
- https://www.gov.uk/stamp-duty-land-tax/residential-property-rates
- https://www.dixcartuk.com/five-years-have-passed-since-the-uk-government-set-out-its-intention-to-create-a-public-register-of-the-beneficial-ownership-of-overseas-entities-uk-assets-progress/
- https://www.dixcartuk.com/register-of-overseas-entities-a-comprehensive-guide-to-the-new-registration-requirements-for-overseas-owners-of-uk-property/
- https://www.dixcartuk.com/pre-arrival-uk-tax-planning-for-non-uk-domiciled-individuals/
Kuti uwane rumwe ruzivo kana gwara rekutenga chivakwa, gadzira bhizinesi rako kuchengetedza mutero, kufunga mutero muUK, kubatanidza kunze kweUK, bhizinesi rekupinda munyika kana chero imwe nzira yekutamisa kana kuisa mari muUK ndapota taura nesu pa advice.uk@dixcart.com.
